The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$31,503
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,483
−HK$996/mo
Today · 4.125%
HK$33,479
baseline
▲ 0.50% · 4.625%
HK$35,516
+HK$2,037/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,958/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,047
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,987
−HK$953/mo
Today · 4.125%
HK$36,940
baseline
▲ 0.50% · 4.625%
HK$38,888
+HK$1,948/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,880/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,804
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,980
−HK$1,194/mo
Today · 4.125%
HK$40,174
baseline
▲ 0.50% · 4.625%
HK$42,619
+HK$2,445/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,348/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,056
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,184
−HK$1,145/mo
Today · 4.125%
HK$44,329
baseline
▲ 0.50% · 4.625%
HK$46,665
+HK$2,336/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,658/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,104
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,476
−HK$1,394/mo
Today · 4.125%
HK$46,870
baseline
▲ 0.50% · 4.625%
HK$49,722
+HK$2,852/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,740/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,066
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,382
−HK$1,335/mo
Today · 4.125%
HK$51,717
baseline
▲ 0.50% · 4.625%
HK$54,443
+HK$2,726/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,434/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,706
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,470
−HK$1,792/mo
Today · 4.125%
HK$60,262
baseline
▲ 0.50% · 4.625%
HK$63,928
+HK$3,666/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,524/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,085
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,776
−HK$1,717/mo
Today · 4.125%
HK$66,493
baseline
▲ 0.50% · 4.625%
HK$69,998
+HK$3,505/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,986/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,086 · Scale 2, in force from 26 Feb 2026)